HDFC Bank Titanium Times Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Get a complimentary Times Prime annual Membership as a special welcome gift. Enjoy year-round discounts at top dining, wellness, shopping, and travel partners. Earn 5 Reward Points for every Rs. 150 spent on dining on weekdays. Get 2 Reward Points for every Rs. 150 spent using this card. Save 25% (up to Rs. 350 per transaction) on movie tickets at BookMyShow. Renewal fee is waived off with a minimum spending of Rs. 1.5 lakh in a year. Get up to 20% off on online and offline purchases, wellness services, and hotel stays at selected partners. Receive daily GPS location-based offers for exclusive savings.

The HDFC Bank Titanium Times Credit Card is an excellent choice for those who enjoy movies, dining, and shopping.

With a joining fee of NIL and a renewal fee of Rs. 500 + GST, this card provides great value for money.

One of the standout features of this card is its reward type, which is Reward Points.

By using the card for various purchases, you can earn reward points that can be redeemed for a variety of benefits.

The welcome benefit of this card is particularly attractive, as it offers a complimentary Times Prime Membership and E-Vouchers worth Rs. 5000.

This gives cardholders access to exclusive discounts and offers across various lifestyle categories.

For movie buffs, the HDFC Bank Titanium Times Credit Card offers several perks.

Cardholders can enjoy accelerated reward points (5 RPs/Rs. 150) on dining spends on weekdays, as well as a 25% discount on movie ticket bookings on BookMyShow (with a maximum discount of Rs. 350 per transaction).

Additionally, cardholders will receive an EazyDiner Prime Membership with dining discounts that range from 25% to 50%.

When it comes to shopping, this card continues to impress.

Cardholders can earn 5 reward points per Rs. 150 on dining spends on weekdays and 2 reward points per Rs. 150 on all other spends.

While this card does not offer specific travel benefits, it is still a strong contender due to its excellent rewards and discounts in other categories.

The HDFC Bank Titanium Times Credit Card also offers a spend-based waiver, wherein the renewal fee will be waived off if the cardholder spends Rs. 1.5 lakh in an anniversary year.

However, there is a rewards redemption fee of Rs. 99 per redemption request, along with applicable taxes.

It is important to note that this card comes with a foreign currency markup of 3.5% of the transaction amount, plus applicable taxes.

The interest rate is set at 3.6% per month (or 43.2% per annum).

For fuel purchases, cardholders can enjoy a 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5,000 at all fuel stations across India, with a maximum waiver capped at Rs. 250 per statement cycle.

Cash advances are also available with this card, with a fee of 2.50% or Rs. 500, whichever is higher.

In conclusion, the HDFC Bank Titanium Times Credit Card is an excellent choice for those who enjoy movies, dining, and shopping.

With its array of rewards and discounts, along with the complimentary Times Prime Membership and E-Vouchers, this card offers great value for money.

However, it is important to consider the fees and charges associated with the card before making a decision.